Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$105,078Cash toward the purchase price.
Closing costs + prepaids$15,488Not just lender fees.
Before credits & paid funds$120,566The complete starting cash picture.
Estimated remaining funds due at closing
$120,566No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,078.45
Your down payment$105,078.45
Closing costs + prepaids$15,487.78
Total buyer cash needed$120,566.23
Remaining funds due$120,566.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,974.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$719.50
Prepaid interest, first (31 days)$2,327.18
Fees + prepaids$15,487.78
Your down payment is the seller’s equity. You take over the $394,822 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $120,566.23 is due at closing. Uses and sources reconcile at $515,387.78 each. Not a Closing Disclosure.